Healthcare professionals and students

We take care of you

To help you take care of the people who rely on you, National Bank offers an exclusive financial package for healthcare professionals. Access unique banking privileges and benefit from of our financing and investment solutions for you and your clinic. We'll provide sound banking solutions for your personal and professional needs!

Advantages for professionals

Up to three bank accounts and unlimited transactions

Get up to three CDN$ or US$ bank accounts1 with no monthly services fees and unlimited transactions on most of the automated services you use on a daily basis.

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Enter a world of privileges with the World MasterCard credit card

The generous World MasterCard®,2 credit card combines prestige, flexibility and protection. In addition to accelerated accumulation of points, the freedom to travel when and where you want and a comprehensive insurance program, you have free access to an outstanding concierge service and the National Bank World MasterCard lounge at Montreal-Trudeau airport.

Fill out the credit card application form and bring it to your advisor with a proof of your professional status.

New! Healthcare professionals can now obtain a World Elite MasterCard ®,2 credit card, one of the top travel cards. It offers the same advantages as the World card, and much more.

Certain eligibility conditions apply in order to get the World and World Elite credit cards.

When you sign up for the additional3 MasterCard credit card, your spouse will also be able to benefit from the associated privileges. 

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Financing solutions at an advantageous interest rate

Financing solutions tailord to your needs

A flexible line of credit
Offered at an advantageous interest rate, the Personal Flex Line®1,2 allows you to use your funds with complete freedom. Accessible at any time, it prevents you from having to submit a new loan application for every new project you begin, enabling you to take rapid action.

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Mortgage financing

We know your situation is unique. That’s why we offer flexible mortgage financing solutions that meet your specific needs.

  • National Bank mortgage loans allow you to combine several mortgage financing solutions while enjoying advantageous interest rates.
  • The All-In-One BankingTM line of credit, offered at an advantageous rate, allows you to manage your financing needs, bank accounts and short-term cash via a single solution.

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Investment solutions with preferential conditions

Rewarding investments, managed your way

Whether you are looking for full-service brokerage solutions for your Wealth Management needs, direct brokerage solutions, or financial planning, investment portfolio management and asset management services, we offer a full range of investment solutions.

National Bank’s team of specialists can help you manage your investments based on your autonomy, financial objectives and investor profile. 

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Essential tools for entrepreneurs

Do you have an entrepreneurial spirit? Our specialized team can assist you in your business activities. National Bank also offers numerous investment and financing solutions to simplify your life.

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Eligibility Requirements

To be eligible for the financial package for healthcare professionals, you must:

  • Be a physician, a chiropractor, a dentist, an optometrist, a pharmacist, a podiatrist or a veterinarian.
  • Provide proof of your professional status.
  • Deposit all occupational earnings (RAMQ and other) in a National Bank account.
  • Have a bank account and a credit card eligible for the package5.
 

Advantages for students

A bank account with unlimited transactions

Get a CDN$ or US$ bank account3 with no monthly services fees and unlimited transactions on most of the automated services you use on a daily basis.

Learn more

A Platinum MasterCard credit card for the world traveler in you

A flexible, rewarding tool, the National Bank Platinum MasterCard®,1 lets you travel with complete freedom and peace of mind. This credit card is offered free of charge for the first two years6.

Fill out the credit card application form and bring it to your advisor with a proof of your status as a full-time student.

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An accessible and reassuring line of credit

The National Bank Student Line of Credit7 is a convenient and flexible solution for:

  • Financing all your annual tuition and education-related expenses
  • Designed as a regular Chequing account: you can access your funds at any time via Client-Card purchases, Electronic Banking Solutions or cheques.

Main advantages :

  • Advantageous interest rate
  • Credit limit established according to your needs
  • No pay-back of principal or interest while you are a full-time student or resident
  • Option of deferring principal payments for up to 12 months after you complete your studies4, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
  • Your repayment period for your Student line of credit will be established according to your credit limit

Annual credit limit:

Field of study Maximum limit authorized for the
duration of your studies
Medicine

$250,000
This includes an extra amount if you pursue on to a fellowship.

Dentistry

Between $130,000 & $200,000 *

Podiatry

Between $80,000 & $120,000 *

Veterinary medicine

Between $80,000 & $100,000 *

Optometry

Between $80,000 & $100,000 *

Pharmacy

Between $80,000 & $140,000 *

Chiropractic

Between $60,000 & $80,000 *

* The amounts vary according to the province where you study.

Transactional free services:

  • Client-Card purchases in Interac®2, NYCE®3 and Maestro Networks®4
  • Cheques and preauthorized debits
  • Transactions at National Bank banking machines2: withdrawals, transfers, bill payments and withdrawals for bill payments
  • Online, TelNat telephone and mobile transactions3: transfers, transfers to another person, Interac e-Transfers and bill payments
  • 200 personalized cheques per year
  • Online account statement

Eligibility Requirements

To be eligible for the financial package for healthcare students, you must:

  • Be a full-time student in Canada in one of the following disciplines: medicine, dentistry, veterinary medicine, podiatric medicine, optometry, pharmacy, chiropractic.
  • Visit your branch once a year to update your file. Two pieces of identification, a proof of status as a full-time student and your most recent transcripts will be requested.
  • Have a bank account and a credit card eligible for the package5.
 

 

1 Bank account with chequing privileges.

2 Subject to credit approval by National Bank of Canada. Certain conditions apply. Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10, whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.

Examples of interest charges for a 30-day period at the rate applicable on February 1, 2015 :

Annual interest rate Average balance
  $500 $3,000
19.99% (regular purchases rate) $8.22 $49.29
21.99% (regular cash advances and balance transfers) $9.04 $54.22

3 For financial packages, only the spouse of the primary cardholder is eligible for an additional card.

4 Financing subject to credit approval by National Bank. Certain conditions apply.

5 National Bank reserves the right to cancel, without notice, the discounts and other advantages offered with the financial package if the client closes his eligible bank account or cancels his eligible MasterCard account and replaces them with a bank account or MasterCard account that is not eligible for the package.

6 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement of the Platinum MasterCard. On February 1, 2015, the annual fee was $125. Offer not renewable.

7 Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements.

8 User fees for the Interac® banking machine and point-of-sale network and the Cirrus® banking machine network are also payable. No additional fees apply for the use of THE EXCHANGE®5 banking machine network.

® MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

®1 Personal Flex Line is a registered trademark of National Bank of Canada.

®2 Registered trademark of Interac Inc.

®3 NYCE is a registered trademark of NYCE Corporation.

®4 Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.

®5 Registered trademark of Fiserv Inc.

TM World Elite is a trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

TM1 National Bank All-In-One Banking is a trademark of National Bank of Canada.